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Regency Cash Loan advertises third party services, as an Internet search engine available through referral from this Web site, or other Web sites. By accessing or using the services, you indicate your consent to be bound by the Terms of use.
Services
The services on this web site act as your search engine and advertising for financial service companies and providers of information. Regency Cash Loan uses reasonable efforts to ensure the availability of the information and content, including links, which it makes available through the services. However, the services are composed of content not offered by Regency Cash Loan. Regency Cash Loan does not control the quality, safety or legality of items available through its advertisers' web sites or sites of third parties, the truth or accuracy or legality of the content from those advertisers or those third parties (even if such content appears on the services), or the availability or technical capabilities of their Web sites or links to those Web sites. Regency Cash Loan is not liable or responsible for content supplied by third parties, or for actions you might take in reliance on that content. Nothing contained in any of the services is an offer or promise to sell a specific product for a specific price or that any advertiser will sell any product or service for any purpose or price or on any specific terms. Regency Cash Loan does not guarantee the price, terms, product, availability and/or services offered by any advertiser. For all of the services, Regency Cash Loan is not involved in any transactions between you and any of its advertisers, and is not responsible for, and does not guarantee the price or performance of any goods, services or information provided by advertisers and/or services.
Disclaimer of Warranties
The services are provided "as is," without warranty of any kind. Regency Cash Loan disclaims any warranties, express or implied, including any warranties of title, non-infringement, merchantability or fitness for a particular purpose. Regency Cash Loans Potential Liability for the services is limited. Neither Regency Cash Loan nor any of its officers, directors, agents, subsidiaries, affiliates, employees, successors, assigns, content providers or service providers will be liable to you for any indirect, incidental, special or consequential damages arising out of use of the services, or inability to gain access to or use the services. Regency Cash Loan will not be liable for any material of web sites it links to as part of the services or for information contained in or part of the services. Because some states do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you. In such states, the respective liability of Regency Cash Loan, its employees, agents, successors, assigns, affiliates, and content or service providers is limited to the greatest extent permitted by such state law.
Privacy and Data Collection
Regency Cash Loan does not collect personally identifying information from users of the services unless users have explicitly given such information to Regency Cash Loan (for example, when becoming an advertiser or when sending us an email with a question or as part of a contest). You agree that use of data as described in this privacy policy is not an actionable breach of your privacy or publicity rights. If you have entered into another agreement with Regency Cash Loan (such as an Affiliate Agreement or an Advertiser Agreement), then you may be subject to additional or different provisions regarding privacy and data collection. You should consider any communication that you transmit to Regency Cash Loan (such as data, questions or answers, comments, or suggestions) as non-confidential, and agree that Regency Cash Loan will not be liable or responsible if information that belongs to you is intercepted and used by an unintended recipient. Regency Cash Loan
reserves the right to share your identifiable information with third party partners for the purpose of providing you with the best resources for loans, financial and related services. Regency Cash Loan reserves the right to share your information with a 3rd party for email marketing, telemarketing, direct mail, SMS text messages.
Control over Features, Functions, and Access to the Services
Regency Cash Loan reserves the right to change any information, features and functions of the services without prior notice. Regency Cash Loan may deny you access to all or part of the services without prior notice if you engage in any conduct or activities that Regency Cash Loan determines, in its sole discretion, violate this Agreement, the rights of Regency Cash Loan or any third party, or is otherwise inappropriate.
Choice of Law, Waiver, and Claims
This Agreement shall be governed by the laws of the State of New York without regard to its conflict of law provisions. Regency Cash Loan's failure to exercise or enforce any right or provision of the Agreement will not be deemed to be a waiver of such right or provision. If any provision of this Agreement is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of this Agreement remain in full force and effect. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the services must be filed within one (1) year after such claim or cause of action arose or be forever barred.
Arbitration
Any controversy or claim arising out of or relating to this Agreement or the services will be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association. Any such controversy or claim must be arbitrated on an individual basis, and must not be consolidated in any arbitration with any claim or controversy of any other party. The arbitration must be conducted in New York and judgment on the arbitration award may be entered into any court having jurisdiction thereof. Either you or Regency Cash Loan may seek any interim or preliminary relief from a court of competent jurisdiction in New York, as necessary to protect the rights or property of you or Regency Cash Loan.
Notice
You may direct any questions concerning this Agreement to: Regency Cash Loan E-mail: info@RegencyCashLoan.com
Amendment
Regency Cash Loan may amend this Agreement at any time by posting the amended terms on its Web site. All amended terms are automatically effective immediately, upon posting.
Teletrack disclosure:
TELETRACK. I agree to allow a search of the Teletrack database. The Teletrack database is a national database of consumers and contains information about transactions with lending institutions.
Lender Network Disclosures
Notices and Disclosures
NOTICE: We adhere to the Patriot Act and we are required by law to adopt procedures to request and retain in our records information necessary to verify your identity.
NOTICE: A short term loan provides the cash needed to meet an immediate short-term cash flow problem. It is not a solution for longer term financial problems for which longer term financing may be more appropriate. You may want to discuss your financial situation with a nonprofit financial counseling service in your community. You will be charged additional fees if you renew the loan.
Arbitration of All Disputes:
You and we agree that any and all claims, disputes or controversies between you and us, any claim by either of us against the other (or the employees, officers, directors, agents, servicers or assigns of the other) and any claim arising from or relating to your application for this loan, regarding this loan or any other loan you previously or may later obtain from us, this Note, this agreement to arbitrate all disputes, your agreement not to bring, join or participate in class actions, regarding collection of the loan, alleging fraud or misrepresentation, whether under common law or pursuant to federal, state or local statute, regulation or ordinance, including disputes regarding the matters subject to arbitration, or otherwise, shall be resolved by binding individual (and not joint) arbitration by and under the Code of Procedure of the National Arbitration Forum ("NAF") in effect at the time the claim is filed. This agreement to arbitrate all disputes shall apply no matter by whom or against whom the claim is filed. Rules and forms of the NAF may be obtained and all claims shall be filed at any NAF office, on the World Wide Web at www.arb-forum.com, by telephone at 800-474-2371, or at "National Arbitration Forum, P.O. Box 0191 , Minneapolis , Minnesota 55405 ." Your arbitration fees will be waived by the NAF in the event you cannot afford to pay them. The cost of a participatory hearing, if one is held at your or our request, will be paid for solely by us and will take place at a location near your residence. This arbitration agreement is made pursuant to a transaction involving interstate commerce. It shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16. Judgment upon the award may be entered by any party in any court having jurisdiction.
NOTICE: YOU AND WE WOULD HAVE HAD A RIGHT OR OPPORTUNITY TO LITIGATE DISPUTES THROUGH A COURT AND HAVE A JUDGE OR JURY DECIDE THE DISPUTES BUT HAVE AGREED INSTEAD TO RESOLVE DISPUTES THROUGH BINDING ARBITRATION.
Agreement Not To Bring, Join Or Participate In Class Actions:
To the extent permitted by law, you agree that you will not bring, join or participate in any class action as to any claim, dispute or controversy you may have against us, our employees, officers, directors, servicers and assigns. You agree to the entry of injunctive relief to stop such a lawsuit or to remove you as a participant in the suit. You agree to pay the attorney's fees and court costs we incur in seeking such relief. This agreement does not constitute a waiver of any of your rights and remedies to pursue a claim individually and not as a class action in binding arbitration as provided above. This agreement not to bring, join, or participate in class actions is an independent agreement and shall survive the closing and repayment of the loan for which you are applying. By submitting this Application you certify that all of the information provided above is true, complete and correct and provided to us for the purpose of inducing us to make the loan for which you are applying. You also agree to the Agreement to Arbitrate All Disputes and the Agreement Not To Bring, Join Or Participate in Class Actions. You authorize us to verify all information that you have provided and acknowledge that this information may be used to verify certain past and/or current credit or payment history information from third party source(s). We may utilize Check Loan Verification or other similar consumer-reporting agency for these purposes. We may disclose all or some of the nonpublic personal information about you that we collect to financial service providers that perform services on our behalf, such as the servicer of your short term loan, and to financial institutions with which we have joint marketing arrangements. Such disclosures are made as necessary to effect, administer and enforce the loan you request or authorize and any loan you may request or authorize with other financial institutions with regard to the processing, funding, servicing, repayment and collection of your loan.
MOBILE STATEMENT
Short Message Service.
We may make available a service either directly or through third parties by which you can receive messages on your wireless device via short message service ("SMS Service"). Your provider's standard data and messaging rates apply to all SMS correspondence. All charges are billed by and payable to your mobile service provider. You represent that you are 18 years of age and the owner or authorized user of the wireless device on which messages will be received, and that you are authorized to approve the applicable charges. Data obtained from you in connection with this SMS Service may include your name, address, cell phone number, your provider's name, and the date, time, and content of your messages. The use of this information will be in accordance with this Mobile Policy. If fees are charged to your wireless account invoice, we may provide your carrier with your applicable information in connection therewith. Your wireless carrier and other service providers may also collect data about your wireless device usage, and their practices are governed by their own policies. You may receive 1 message per week; however, the actual number of messages received may be more or fewer. The frequency of messages received is in part based on your interaction with the SMS service. You acknowledge and agree that the SMS Service is provided via wireless systems which use radios (and other means) to transmit communications over complex networks. We will not be liable for any delays in the receipt of any SMS messages, as delivery is subject to effective transmission from your network operator. SMS message services are provided on an AS IS basis. We do not guarantee that your use of the SMS Service will be private or secure, and we are not liable to you for any lack of privacy or security you may experience. You are fully responsible for taking precautions and providing security measures best suited for your situation and intended use of the SMS Service. You may opt out of the SMS Service at any time by replying "STOP", "END", or "QUIT" to the SMS text message you have received. This process impacts only the future delivery of the particular SMS message offering, so you must send that message for each offering.
In addition, Regency Cash Loan or its affiliates, may send you email containing information about loans or other products that may be of use to you.
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